The customer service with this company…was TERRIBLE The customer service with this company was ABSOLUTELY HORRIBLE! They could care less about the customer. Each of my experiences (several times I contacted them) calling customer service was met with rudeness and total disrespect. “I” paid off my balance, “I” had my account closed and then cut up the card! Terrible experience. And yes, I paid my account on time every time. Bye the way, that same guy… just hung up the phone one me…again! Just terrible! One star is too much! I scratch my head at the other reviews. Not my experiences.

I’m literally afraid of this card The card doesn’t seem to be worth the trouble. After listening to the automated system go over my terms THREE TIMES because I couldn’t believe what I was hearing, I thrice confirmed that not only is the annual fee $99 on top of the $89 processing fee, but once you hit your second year there is a MONTHLY $99 maintenance fee?? lol. No. I’m coming out of a fresh bankruptcy so I got this card to help put positive things on my credit profile. In no way, shape or form is $99 a month a reasonable maintenance fee for literally anything. I’ve already paid the $89, so I’m going to use it for a couple of my subscriptions like Hulu. After I add the card to auto billing I am going to physically SHRED THIS CARD TO PIECES. Once the 11th month rolls around I am cancelling this card so hard. By then I should have an increase in credit limit and enough on-time payments from this and a few other cards I got to apply for a more reasonable card. Do NOT get this card unless you absolutely have to and even then, use it wisely. Don’t use this like a regular card. Get something small with it each month and pretend it doest exist. This is the type of card that is basically built to put you deeper in the hole. They are not here to help you, they do not care about you, they are here to take the most advantage of you and “fee” you to death. Do not run a up a balance on this card. Good luck!

James deserves a raise James deserves a raise. He is very nice and knowledgeable. He explains everything in a manner that is easy to understand. He is a true genuine professional. An asset to your company.

Potential $800 limit What an exceptional credit product.. Sure I agree with everyone that the initial fees are next to outrageous but since I'm working on rebuilding my credit it's understandable that they're taking a risk and there's a price for the risk... BUT.. where else can you get a card with a $400 limit and 6 months later have it turn into an $800 limit which works wonders for your Utilization Ratio bringing your score up... As long as you don't charge up your new $800 limit, otherwise you'll be in the same boat and actually pretty borderline stupid... So take advantage of this great $800 opportunity.

I have enjoyed my time with your… I have enjoyed my time with your company. I look forward to staying with you and hope to get a credit line increase soon. I have never had a late payment and pay off my card.